Chipper Cash Review

What is Chipper Cash all about? Chipper Cash app enables free local and cross-border payments and money transfers, including crypto based remittances and crypto trading, in 7 different African countries as well as UK and US. It offers both personal and business accounts.

What’s Special About Chipper Cash

  • Chipper Cash does not impose any transfer fees or limit of the amount you can send or receive.
  • Chipper Cash virtual card allows you to make online transactions such as subscribing to Netflix, buy goods on Amazon, pay for Facebook ads, etc.
  • You can buy Bitcoin and convert your local currency to Bitcoin with the app.
  • The app allows you to invest in fractional shares of publicly traded companies such as Facebook, Amazon, Apple and Google (Read our complete guide to fractional share investing) .

Chipper Cash founders are Ugandan Ham Serunjogi and Ghanaian Maijid Moujaled. It was founded in San Francisco in 2018. The fintech raised a $30 million Series B funding round in 2020. Its funders include Bezos Expeditions, the personal Venture Capital fund of Amazon founder and CEO Jeff Bezos.

How Does Chipper Cash Work?

Chipper app is easy to use and has no limit of the amount you can send or receive per transaction. Regardless of the amount involved or the location of the recipient, you do not incur any charges. If you wish to deposit funds from a mobile money account into your Chipper Cash wallet, simply click on ‘Cash In’. You will receive a confirmation request on your mobile phone before the transaction can be rendered successful. To transfer cash from your Chipper wallet to a mobile money account, click on ‘Cash Out’.

What is a Chipper bank account number? Chipper bank number is a virtual bank account number connected to your Chipper wallet in collaboration with Nigerian bank partner Wema Bank and Flutterwave. This bank account number is another way in which you can add cash to your Chipper account; local transfers to this account number from you or a 3rd party will automatically be received in your Chipper balance.


How To Open Chipper Cash Account

Download Chipper Cash app either on Google Play Store or Apple Store and click on “Open free account.” You will then be prompted to enter your email address or mobile number.

The next steps require you to enter your first and last name as they appear in your identification documents. You’ll then be asked to enter your birthday. The next step is to choose a ChipperTag of your choice. This unique name will be useful when one wants to send money to you. You will get a confirmation on your screen indicating that you have successfully joined Chipper Cash. Depending on the country that you are in, your Chipper wallet will be set to the country’s currency.

For the final step, you need to input a four-digit PIN that you will remember. This set of digits is crucial to ensure that your account is secure. From this stage, you can start using the app to make payments and send or receive money.

Chipper Cash Verification

To continue using your Chipper account, you need to verify yourself with valid documentation. From 29th September 2020, it is not possible to cash in, cash out or send and receive payments on Chipper if your account is not verified. Ensure your Chipper app is updated to the latest version. Document for Chipper Cash verification include passport, national ID, or alien card. You also have to submit a video selfie.

Chipper Cash Products and Services

Chipper Cash offer the following products in the markets where it operates:

  • Chipper Cash money transfer. Free transfers and the lowest cross-border rates. Link your mobile money or bank account and cash in / cash out at no cost. Make fast and cheap crypto based remittances.
  • Chipper Cash virtual card. Prepaid virtual card for making online transactions.
  • Chipper Cash Invest. Invest in the US market by buying US stocks.
  • Chipper Cash Crypto. Buy cryptocurrency such as bitcoin.
  • Chipper API. The API allows users to accept payments, send payouts, and manage your businesses online.
  • Chipper Cash Checkout. Local and cross-border payments for businesses at any size. Get paid in a few taps on social media, messaging, apps and websites.
  • Chipper Cash Paybill. Make instant bill payments securely without paying additional fees.
  • Chipper Cash airtime top-up. Instantly airtime top-up from anywhere, on any network and send airtime to anyone across Africa.

When you buy airtime from your Chipper Cash account, you get 2% cashback on every purchase.

Chipper Cash Crypto / How to Buy Bitcoin on Chipper Cash

The Chipper Cash crypto feature allows you to buy and sell cryptocurrency such as Bitcoin, Ethereum and USDC by instantly converting your local currency to Bitcoin, Ethereum or USDC on Chipper Cash.

This feature, however, is only available in Nigeria, South Africa and Uganda at the moment. The crypto “Receive” feature enables you to receive Bitcoin/Ethereum/USDC from another cryptocurrency address. There is no charge for receiving cryptocurrency into your Chipper crypto wallet.

Chipper Cash Invest

Chipper Cash Invest is a feature that enables users to buy stocks in US companies. The “Invest” tab on your Chipper Cash App is where you can buy fractional stock shares with as little as $1 in Naira, Ksh, Rand, or UGX. Being a recently introduced feature, you need to request early access.

If you have a Ugandan or Nigerian Chipper Cash account and you don’t see the “Invest” tab, please visit the App Store/Play Store to update to the latest version of the Chipper Cash App.

Chipper Cash Virtual Card

The Chipper Cash virtual card is a pre-funded and reloadable virtual card that can be used for online payments. It is absolutely free to acquire the prepaid virtual card. The Card can be used online in the same way you use your physical debit or credit cards. Currently, Chipper Cash virtual card is only available to users in Nigeria. You can use it on sites like Netflix, Amazon, Shopify, Apple Music, Alibaba, etc.

Is Chipper Cash Legit? Is Chipper Cash Safe?

Is Chipper Cash legal and safe? Yes, it is. The app is genuine and can be trusted. The main reason why some people are sceptical about Chipper Cash is the fact that sending and receiving money both locally and internationally does not attract any fees. This is not to mean that the app is a scam or that it has certain hidden fees. As long as you are in the African countries that Chipper Cash currently operates in, you can pay bills, send money to acquaintances and family members, or pay for goods at no extra cost. This also includes transferring funds between the app and different mobile money accounts.

Chipper Cash Supported Countries

At the moment, Chipper Cash countries where you can open Chipper Cash account, send and receive money, buy and sell cryptocurrency, etc., if you are from Ghana, Uganda, Nigeria, Tanzania, Rwanda, South Africa, Kenya, UK and USA.

Chipper Cash FAQ

Chipper Cash Countries: Does Chipper Cash Work in South Africa? Does Chipper Cash Work in Nigeria?

Chipper Cash supported countries are Ghana, Uganda, Nigeria, Tanzania, Rwanda, South Africa, Kenya and UK.

What Are Chipper Cash Charges (Chipper Cash Fees)?

Chipper money transfer services are free to use at the moment. You will not be required to pay any Chipper Cash fees for any transactions you make on Chipper Cash app. You may wonder how does Chipper Cash make money? Apart from the payment and mobile transfer service, the fintech runs a commercial C2B mobile payment solution, Chipper Checkout, that generates its revenue. This has allowed its customers to enjoy offered services without incurring any Chipper Cash transaction fees.

For Chipper Cash Invest products, you need to pay 1% trading fee for buying fractional shares in the United States.

However, we reserve the right to charge a fee for our services in the future. If we do, we will notify you and provide a grace period before any fees are implemented.

Can I Send Money Through Chipper Cash to Someone Who Doesn’t Have the App?

Yes, it is possible. Chipper Cash money transfer process is the same whether the recipient has the app or not. Once you send money to a person who hasn’t downloaded the app yet, Chipper Cash will send him/her a text message as a notification for the payment. The message will include all the crucial details, including the send amount and a link which they will click on to download the app. Once the recipient successfully opens a Chipper Cash account, they will find the funds you sent them in their Chipper wallet. It is important to note that the recipient should sign up on the app using the same phone number as the one you sent the money to.

What Happens if I send Funds to the Wrong Person?

Immediately you send money, Chipper Cash debits it from your account and credits it to your indicated recipient. This makes it difficult to cancel the transaction if you send it to the wrong person. However, there are several approaches that you can use to deal with the situation. To begin with, if the recipient doesn’t have a Chipper Cash account, you can reverse the cash by going to the feed card that shows the payment you made and pressing on the ‘Cancel this payment’ button.

If the recipient has signed in to Chipper Cash, send him/her a charge request. Once he/she accepts it, the money will be transferred back into your wallet. If they do not respond to this request, contact the firm’s customer care team at

How Do I Check My Account Balance?

To check the total amount in your Chipper wallet, go to your profile page and look under the profile picture. If you try to send more money than is in your wallet, you will automatically receive a ‘insufficient balance’ notification.

Can I Connect Several Mobile Money Accounts to My Chipper Cash Account?

Chipper Cash works with various mobile money networks within the African countries that it operates in. this includes Airtel Money, Mpesa, and MTN. As such, one can transfer money from one of the mobile money accounts to his/her Chipper wallet and vice versa. To link your mobile money accounts to that of Chipper Cash, simply go to your profile page and click on ‘Linked accounts’.

How to Withdraw Money from Chipper Cash

Chipper Cash “Cash Out” button is found on your “Profile” tab. To withdraw from your Chipper account, tap the Cash Out button then enter amount, link your mobile money or bank account. Chipper Cash withdrawal is processed instantly. It might take a few minutes to enter your mobile wallet account or up to two working days to enter your bank account.

What is Chipper Cash Limit?

You can send any amount through the app. However, there is a limit on the amount you can ‘Cash Out’ or ‘Cash In’. The limit varies from one country to another.

Chipper Cash Referral

You can take advantage of Chipper Cash referral program to earn some money. For example, if you successfully refer a friend in Nigeria, you will get 250 naira. To get your referral link and share it, follow these steps:

  • Tap on your ‘Earn’ tab in the app
  • Tap on ‘Share Link – Earn Money’
  • Select the channel you want to share the link on
  • Select the contact you want to share the link with
  • Once the person you shared your referral link with completes the following steps, both of you will automatically receive the referral bonus 1 hour after all terms and conditions have been met. Conditions include: The person creates a Chipper account with their phone number and not their email address using your link, successfully verifies their account, adds cash into their account and makes a payment of at least GHS 5 / TZS 2000 / UGX 4800 / NGN 250 / R16 / GBP 5 to another Chipper user

Chipper Cash Reviews

At the time of writing, Chipper Cash reviews on Trustpilotare mostly positive. have a rating of 3.9 star from 249 users. However, 24% of users gave the app a rating of 1/5 star. Common user complaints include locked accounts, problematic cash out service, poor customers service, and bugs slowing down the app.

Final Thoughts on Chipper App Review

Chipper Cash app seeks to connect African countries by enabling its users to make payment and to send money within and between different nations. What is interesting about the fintech is that no fees are charged for sending or receiving any amount of money.

More Information

  • Chipper Cash customer care:
  • Chipper Cash login
  • Chipper Cash on Twitter
  • Chipper Cash on Facebook
  • Chipper Cash on Instagram
  • Chipper Cash on LinkedIn

Ndesanjo is an experienced writer and researcher on finance issues. With an MA from the University of Toledo, USA, he is a valuable asset to the FiFi editorial team, and his work helps to make finance work for everyone. He has lived in 5 countries and speaks 3 languages. Read more about the editorial team at FiFi and our editorial guidelines.